California Organized Investment Network (COIN) Is a Collaborative Effort Between the California Department of Insurance, the Insurance Industry, Community Affordable Housing and Economic Development Organizations, and Community Advocates.

The Investigation Division investigates suspected fraud committed by insurance agents, brokers, public adjusters, bail agents, insurance companies and other individuals and entities transacting the business of insurance who perpetrate fraud against consumers.

Line 1C - Commercial Fire (excluding policies issued through the California FAIR Plan and excluding commercial policies for which the annual premium is more than $7,500);

Line 5.1 - Commercial multiple peril - NonLiability (excluding policies for which the annual premium is more than $7,500);

Line 5.2 - Commercial multiple peril - Liability (excluding policies for which the annual premium is more than $7,500);

Line 17 - Liability other than automobile (excluding professional liability coverages and excluding commercial policies for which the annual premium is more than $7,500);

Line 19.4 - Commercial automobile liability (excluding policies issued through the California Automobile Assigned Risk Plan and excluding policies for which the annual premium is more than $7,500);

Line 21.2 - Commercial automobile physical damage (excluding policies for which the annual premium is more than $7,500).

Earned Exposure

The term earned is defined as a condition where the exposure is recognized by the insurance company after time has passed and the insurance company has delivered the services promised under the insurance policy. Furthermore, an exposure is defined as the risk or loss potential an insurance company assumes from its policyholder in exchange for premium.

Agents or Agencies

The number of agents or agencies in this report represent the two marketing systems available (independent and/or captive).